System for identity-based exposure detection in peer-to-peer platforms

ABSTRACT

Systems, computer program products, and methods are described herein for identity-based exposure detection in peer-to-peer (P2P) platforms. The present invention is configured to receive, from a computing device of a P2P platform, an indication that a user has initiated a P2P resource transfer request to a first entity; retrieve, from a computing device of the P2P platform, resource transfer information of the first entity based on at least the P2P resource transfer request; initiate a database query on a P2P knowledge repository using the resource transfer information of the first entity; determine a match between the resource transfer information of the first entity and at least one entity record in the P2P knowledge repository based on at least initiating the database query; and transmit a notification to the computing device of the P2P platform indicating that the first entity is known to be associated with misappropriate activity.

CROSS-REFERENCE TO RELATED APPLICATION(S)

This application is a continuation application of and claims priority toU.S. patent application Ser. No. 17/199,784 filed on Mar. 12, 2021, andof the same title; the contents of which are also incorporated herein byreference.

FIELD OF THE INVENTION

The present invention embraces a system for identity-based exposuredetection in peer-to-peer (P2P) platforms.

BACKGROUND

In recent years, peer-to-peer (P2P) resource transfers have developed todescribe a new way of exchanging resources without relying ontraditional intermediaries. One of the most appealing benefits of P2Presource transfers is the ease of use and convenience. As more usersand/or entities adopt P2P resource transfer systems, there is a need fora system for an identity-based exposure detection to preempt thepossibility of misappropriating activity.

SUMMARY

The following presents a simplified summary of one or more embodimentsof the present invention, in order to provide a basic understanding ofsuch embodiments. This summary is not an extensive overview of allcontemplated embodiments and is intended to neither identify key orcritical elements of all embodiments nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments of the present invention in a simplified form as aprelude to the more detailed description that is presented later.

In one aspect, a system for identity-based exposure detection inpeer-to-peer (P2P) platforms is presented. The system comprising: atleast one non-transitory storage device; and at least one processingdevice coupled to the at least one non-transitory storage device,wherein the at least one processing device is configured to: receive,from a computing device of a P2P platform, an indication that a user hasinitiated a P2P resource transfer request to a first entity; retrieve,from a computing device of the P2P platform, resource transferinformation of the first entity based on at least the P2P resourcetransfer request; initiate a database query on a P2P knowledgerepository using the resource transfer information of the first entity;determine a match between the resource transfer information of the firstentity and at least one entity record in the P2P knowledge repositorybased on at least initiating the database query; and transmit anotification to the computing device of the P2P platform indicating thatthe first entity is known to be associated with misappropriate activitybased on at least determining the match.

In some embodiments, the at least one processing device is furtherconfigured to: determine that the resource transfer information of thefirst entity does not match at least one entity record in the P2Pknowledge repository; transmit a first information retrieval request tothe computing device of the P2P platform, wherein the first informationretrieval request comprises the resource transfer information of thefirst entity; and receive, from the computing device of the P2Pplatform, a device identification information, a personal identificationinformation, and a resource distribution account information of thefirst entity in response to the first information retrieval request.

In some embodiments, the at least one processing device is furtherconfigured to: initiate the database query on a resource knowledgerepository using resource distribution account information of the firstentity; retrieve, from the resource knowledge repository, acorresponding personal identification information associated with theresource distribution account information of the first entity; comparethe personal identification information received from the computingdevice of the P2P platform with the personal identification informationretrieved from the resource knowledge repository; determine a mismatchbetween the personal identification information received from thecomputing device of the P2P platform with the personal identificationinformation retrieved from the resource knowledge repository; andtransmit notification to the computing device of the P2P platformindicating that the first entity could be associated with misappropriateactivity based on at least the mismatch.

In some embodiments, the at least one processing device is furtherconfigured to: receive, from a computing device of a user, an exposurenotification associated with a second entity, wherein the exposurenotification is associated with a second resource transfer; andretrieve, from the exposure notification, a second resource transferinformation of the second entity.

In some embodiments, the at least one processing device is furtherconfigured to: transmit a second information retrieval request to thecomputing device of the P2P platform, wherein the second informationretrieval request comprises the second resource transfer information ofthe second entity; and receive, from the computing device of the P2Pplatform, a device identification information, a personal identificationinformation, and a resource distribution account information of thesecond entity in response to the second information retrieval request.

In some embodiments, the at least one processing device is furtherconfigured to: generate an entity record associated with the secondentity, wherein the entity record comprises at least the second resourcetransfer information, the device identification information, thepersonal identification information, and the resource distributionaccount information of the second entity; and store the entity recordassociated with the second entity in the P2P knowledge repository.

In some embodiments, the resource transfer information of the firstentity comprises at least a P2P account information.

In another aspect, a computer program product for identity-basedexposure detection in peer-to-peer (P2P) platforms is presented. Thecomputer program product comprising a non-transitory computer-readablemedium comprising code causing a first apparatus to: receive, from acomputing device of a P2P platform, an indication that a user hasinitiated a P2P resource transfer request to a first entity; retrieve,from a computing device of the P2P platform, resource transferinformation of the first entity based on at least the P2P resourcetransfer request; initiate a database query on a P2P knowledgerepository using the resource transfer information of the first entity;determine a match between the resource transfer information of the firstentity and at least one entity record in the P2P knowledge repositorybased on at least initiating the database query; and transmit anotification to the computing device of the P2P platform indicating thatthe first entity is known to be associated with misappropriate activitybased on at least determining the match.

In yet another aspect, a method for identity-based exposure detection inpeer-to-peer (P2P) platforms is presented. The method comprising:receiving, using one or more processing devices, from a computing deviceof a P2P platform, an indication that a user has initiated a P2Presource transfer request to a first entity; retrieving, using the oneor more processing devices, from a computing device of the P2P platform,resource transfer information of the first entity based on at least theP2P resource transfer request; initiating, using the one or moreprocessing devices, a database query on a P2P knowledge repository usingthe resource transfer information of the first entity; determining,using the one or more processing devices, a match between the resourcetransfer information of the first entity and at least one entity recordin the P2P knowledge repository based on at least initiating thedatabase query; and transmitting, using the one or more processingdevices, a notification to the computing device of the P2P platformindicating that the first entity is known to be associated withmisappropriate activity based on at least determining the match.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made the accompanying drawings, wherein:

FIGS. 1A-1D illustrates technical components of a system foridentity-based exposure detection in peer-to-peer (P2P) platforms, inaccordance with an embodiment of the invention;

FIG. 2 illustrates a process flow for a collaborative exposure detectionin P2P platforms, in accordance with an embodiment of the invention; and

FIG. 3 illustrates a process flow for identity-based exposure detectionin P2P platforms, in accordance with an embodiment of the invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Where possible, any terms expressed in the singularform herein are meant to also include the plural form and vice versa,unless explicitly stated otherwise. Also, as used herein, the term “a”and/or “an” shall mean “one or more,” even though the phrase “one ormore” is also used herein. Furthermore, when it is said herein thatsomething is “based on” something else, it may be based on one or moreother things as well. In other words, unless expressly indicatedotherwise, as used herein “based on” means “based at least in part on”or “based at least partially on.” Like numbers refer to like elementsthroughout.

As used herein, an “institution” may be any organization employinginformation technology resources and particularly technologyinfrastructure configured for processing large amounts of data.Typically, these data can be related to the people who work for theorganization, its products or services, the customers or any otheraspect of the operations of the organization. As such, the institutionmay be any group, association, financial institution, establishment,company, union, authority, or the like, employing information technologyresources for processing large amounts of data.

As described herein, a “user” may be an individual associated with aninstitution and/or a P2P platform. As such, in some embodiments, theuser may be an individual having past relationships, currentrelationships or potential future relationships with the institutionand/or the P2P platform. In some embodiments, a “user” may be anemployee (e.g., an associate, a project manager, an IT specialist, amanager, an administrator, an internal operations analyst, or the like)of the institution and/or the P2P platform or enterprises affiliatedwith the institution and/or the P2P platform, capable of operating thesystems described herein. In some embodiments, a “user” may be anyindividual, entity, or system who has a relationship with theinstitution and/or the P2P platform, such as a customer or a prospectivecustomer. In other embodiments, a user may be a system performing one ormore tasks described herein.

As used herein, a “user interface” may be any device or software thatallows a user to input information, such as commands or data, into adevice, or that allows the device to output information to the user. Forexample, the user interface includes a graphical user interface (GUI) oran interface to input computer-executable instructions that direct aprocessing device to carry out specific functions. The user interfacetypically employs certain input and output devices to input datareceived from a user second user or output data to a user. These inputand output devices may include a display, mouse, keyboard, button,touchpad, touch screen, microphone, speaker, LED, light, joystick,switch, buzzer, bell, and/or other user input/output device forcommunicating with one or more users.

As used herein, “authentication credentials” may be any information thatcan be used to identify of a user. For example, a system (e.g.,institution system 130 and/or the P2P system 150) may prompt a user toenter authentication information such as a username, a password, apersonal identification number (PIN), a passcode, biometric information(e.g., iris recognition, retina scans, fingerprints, finger veins, palmveins, palm prints, digital bone anatomy/structure and positioning(distal phalanges, intermediate phalanges, proximal phalanges, and thelike), an answer to a security question, a unique intrinsic useractivity, such as making a predefined motion with a user device. Thisauthentication information may be used to authenticate the identity ofthe user (e.g., determine that the authentication information isassociated with the account) and determine that the user has authorityto access an account or system. In some embodiments, the system may beowned or operated by an institution. In such embodiments, theinstitution may employ additional computer systems, such asauthentication servers, to validate and certify resources inputted bythe plurality of users within the system. The system may further use itsauthentication servers to certify the identity of users of the system,such that other users may verify the identity of the certified users. Insome embodiments, the institution may certify the identity of the users.Furthermore, authentication information or permission may be assigned toor required from a user, application, computing node, computing cluster,or the like to access stored data within at least a portion of thesystem.

It should also be understood that “operatively coupled,” as used herein,means that the components may be formed integrally with each other, ormay be formed separately and coupled together. Furthermore, “operativelycoupled” means that the components may be formed directly to each other,or to each other with one or more components located between thecomponents that are operatively coupled together. Furthermore,“operatively coupled” may mean that the components are detachable fromeach other, or that they are permanently coupled together. Furthermore,operatively coupled components may mean that the components retain atleast some freedom of movement in one or more directions or may berotated about an axis (i.e., rotationally coupled, pivotally coupled).Furthermore, “operatively coupled” may mean that components may beelectronically connected and/or in fluid communication with one another.

As used herein, an “interaction” may refer to any communication betweenone or more users, one or more entities, or institutions, and/or one ormore devices, nodes, clusters, or systems within the system environmentdescribed herein. For example, an interaction may refer to a transfer ofdata between devices, an accessing of stored data by one or more nodesof a computing cluster, a transmission of a requested task, or the like.

As used herein, a “resource” may generally refer to objects, products,devices, goods, commodities, services, and the like, and/or the abilityand opportunity to access and use the same. Some example implementationsherein contemplate property held by a user and/or an institution,including property that is stored and/or maintained by a third-partyinstitution. In some example implementations, a resource may beassociated with one or more accounts. Examples of resources associatedwith accounts may be accounts that have cash or cash equivalents,commodities, and/or accounts that are funded with or contain property,such as safety deposit boxes containing jewelry, art or other valuables,a trust account that is funded with property, or the like.

As used herein, “resource distribution account” may refer to a storagelocation identifiable by resource distribution account information whereone or more resources are organized, stored, and retrievedelectronically using a computing device. To execute a resource transferbetween one or more entities, between one or more users, or between oneor more users and one or more entities, each party may be associatedwith a resource distribution account. When a resource transfer isexecuted by a first party (e.g., a user), the resources of the firstparty may be retrieved from their dedicated resource distributionaccount and transferred to the resource distribution account of a secondparty (e.g., entity). Typically, a resource distribution account ismaintained by the institution or other financial institutions.

As used herein, a “resource transfer” may refer to any transaction,activities, or communication between one or more entities, between oneor more users, or between one or more users and one or more entities. Aresource transfer may refer to any distribution of resources such as,but not limited to, a payment, processing of funds, purchase of goods orservices, a return of goods or services, a payment transaction, a credittransaction, or other interactions involving a user's resource or aresource distribution account.

In recent years, peer-to-peer (P2P) resource transfers have developed todescribe a new way of exchanging resources without relying ontraditional intermediaries. One of the most appealing benefits of P2Presource transfers is the ease of use and convenience. As more usersand/or entities adopt P2P resource transfer systems, there is a need fora system for an identity-based exposure detection and preempt thepossibility of misappropriating activity.

FIGS. 1A-1D presents an exemplary block diagram of the systemenvironment for identity-based exposure detection in peer-to-peer (P2P)platforms 100, in accordance with an embodiment of the invention. FIG.1A provides a unique network environment that includes specializedservers and systems communicably linked across a distributive network ofnodes required to perform the functions of the process flows describedherein in accordance with embodiments of the present invention.

As illustrated, the system environment 100 includes a network 110, aninstitution system 130, a peer-to-peer (P2P) system 150, and a userinput system 140. In some embodiments, the institution system 130, theP2P system 150, and the user input system 140 may be used to implementthe processes described herein, in accordance with an embodiment of thepresent invention. In this regard, the institution system 130, the P2Psystem 150, and/or the user input system 140 may include one or moreapplications (e.g., P2P mobile application) stored thereon that areconfigured to interact with one another to implement any one or moreportions of the various user interfaces and/or process flow describedherein.

In accordance with embodiments of the invention, the institution system130 is intended to represent various forms of digital computers, such aslaptops, desktops, video recorders, audio/video player, radio,workstations, personal digital assistants, servers, wearable devices,Internet-of-things devices, electronic kiosk devices, blade servers,mainframes, or any combination of the aforementioned. In accordance withembodiments of the invention, the P2P system 150 is intended torepresent various forms of digital computers, such as laptops, desktops,video recorders, audio/video player, radio, workstations, personaldigital assistants, servers, wearable devices, Internet-of-thingsdevices, electronic kiosk devices, blade servers, mainframes, or anycombination of the aforementioned. In accordance with embodiments of theinvention, the user input system 140 is intended to represent variousforms of mobile devices, such as personal digital assistants, cellulartelephones, smartphones, and other similar computing devices. Thecomponents shown here, their connections and relationships, and theirfunctions, are meant to be exemplary only, and are not meant to limitimplementations of the inventions described and/or claimed in thisdocument.

As illustrated in FIG. 1B, in accordance with some embodiments, theinstitution system 130 may include a processor 102, memory 104, astorage device 106, a high-speed interface 108 connecting to memory 104,and a low-speed interface 112 connecting to low speed bus 114 andstorage device 106. Each of the components 102, 104, 106, 108, 111, and112 are interconnected using various buses, and may be mounted on acommon motherboard or in other manners as appropriate. The processor 102can process instructions for execution within the institution system130, including instructions stored in the memory 104 or on the storagedevice 106 to display graphical information for a GUI on an externalinput/output device, such as display 116 coupled to a high-speedinterface 108. In other implementations, multiple processors and/ormultiple buses may be used, as appropriate, along with multiple memoriesand types of memory. Also, multiple systems, same or similar toinstitution system 130 may be connected, with each system providingportions of the necessary operations (e.g., as a server bank, a group ofblade servers, or a multi-processor system). In some embodiments, theinstitution system 130 may be a server managed by the business. Theinstitution system 130 may be located at the facility associated withthe business or remotely from the facility associated with the business.

The memory 104 stores information within the institution system 130. Inone implementation, the memory 104 is a volatile memory unit or units,such as volatile random access memory (RAM) having a cache area for thetemporary storage of information. In another implementation, the memory104 is a non-volatile memory unit or units. The memory 104 may also beanother form of computer-readable medium, such as a magnetic or opticaldisk, which may be embedded and/or may be removable. The non-volatilememory may additionally or alternatively include an EEPROM, flashmemory, and/or the like. The memory 104 may store any one or more ofpieces of information and data used by the system in which it resides toimplement the functions of that system. In this regard, the institutionsystem 130 may dynamically utilize the volatile memory over thenon-volatile memory by storing multiple pieces of information in thevolatile memory, thereby reducing the load on the system and increasingthe processing speed.

The storage device 106 is capable of providing mass storage for theinstitution system 130. In one aspect, the storage device 106 may be orcontain a computer-readable medium, such as a floppy disk device, a harddisk device, an optical disk device, or a tape device, a flash memory orother similar solid state memory device, or an array of devices,including devices in a storage area network or other configurations. Acomputer program product can be tangibly embodied in an informationcarrier. The computer program product may also contain instructionsthat, when executed, perform one or more methods, such as thosedescribed above. The information carrier may be a non-transitorycomputer- or machine-readable storage medium, such as the memory 104,the storage device 104, or memory on processor 102.

In some embodiments, the institution system 130 may be configured toaccess, via the network 110, a number of other computing devices (notshown) in addition to the user input system 140 and the P2P system 150.In this regard, the institution system 130 may be configured to accessone or more storage devices and/or one or more memory devices associatedwith each of the other computing devices. In this way, the institutionsystem 130 may implement dynamic allocation and de-allocation of localmemory resources among multiple computing devices in a parallel ordistributed system. Given a group of computing devices and a collectionof interconnected local memory devices, the fragmentation of memoryresources is rendered irrelevant by configuring the institution system130 to dynamically allocate memory based on availability of memoryeither locally, or in any of the other computing devices accessible viathe network. In effect, it appears as though the memory is beingallocated from a central pool of memory, even though the space isdistributed throughout the system. This method of dynamically allocatingmemory provides increased flexibility when the data size changes duringthe lifetime of an application and allows memory reuse for betterutilization of the memory resources when the data sizes are large.

The high-speed interface 108 manages bandwidth-intensive operations forthe institution system 130, while the low speed controller 112 manageslower bandwidth-intensive operations. Such allocation of functions isexemplary only. In some embodiments, the high-speed interface 108 iscoupled to memory 104, display 116 (e.g., through a graphics processoror accelerator), and to high-speed expansion ports 111, which may acceptvarious expansion cards (not shown). In such an implementation,low-speed controller 112 is coupled to storage device 106 and low-speedexpansion port 114. The low-speed expansion port 114, which may includevarious communication ports (e.g., USB, Bluetooth, Ethernet, wirelessEthernet), may be coupled to one or more input/output devices, such as akeyboard, a pointing device, a scanner, or a networking device such as aswitch or router, e.g., through a network adapter.

The institution system 130 may be implemented in a number of differentforms, as shown in FIG. 1B. For example, it may be implemented as astandard server, or multiple times in a group of such servers.Additionally, the institution system 130 may also be implemented as partof a rack server system or a personal computer such as a laptopcomputer. Alternatively, components from institution system 130 may becombined with one or more other same or similar systems and an entireinstitution system 130 may be made up of multiple computing devicescommunicating with each other.

FIG. 1C illustrates a P2P system 150, in accordance with an embodimentof the invention. Similar to the institution system 130, the P2P system150 may include a processor 172, memory 174, a storage device 176, ahigh-speed interface 178 connecting to memory 174 and high-speedexpansion ports 185, and a low-speed interface 182 connecting to lowspeed bus 184 and storage device 176. Each of the components 172, 174,176, 178 are interconnected using various buses and may be mounted on acommon motherboard or in other manners as appropriate. Similar to theinstitution system 130, the processor 172 in the P2P system 150 canprocess instructions for execution within the P2P system 150, includinginstructions stored in the memory 174 or on the storage device 176 todisplay graphical information for a GUI on an external input/outputdevice, such as display 186 coupled to a high-speed interface. In otherimplementations, multiple processors and/or multiple buses may be used,as appropriate, along with multiple memories and types of memory. Also,multiple systems, same or similar to P2P system 150 may be connected,with each system providing portions of the necessary operations (e.g.,as a server bank, a group of blade servers, or a multi-processorsystem).

P2P may refer to a decentralized platform whereby one or more usersand/or one or more entities may interact directly with each other,without mediation by a third party. To facilitate the interaction, theP2P system 150 (also referred to as P2P platform) may provide a P2Pmobile application to be stored on the computing device of the user(e.g., user input system 140) who wishes to initiate a transfer ofresources and on a computing device an entity (receiving party) whowishes to receive the initiated transfer. The P2P mobile applicationstored on the computing device of the user is linked to a resourcedistribution account of the user, such that when the user initiates aresource transfer using the P2P mobile application, the resources thatare stored in the resource distribution account of the user areretrieved by the P2P mobile application and transferred to the entity.Similarly, the P2P mobile application stored on the computing device ofthe entity is linked to a resource distribution account of the entity,such that the resource transferred by the user are received by the P2Pmobile application of the entity are then transferred to the resourcedistribution account of the entity. In some embodiments, the resourcedistribution account of the user and the resource distribution accountof the entity may be managed by the same institution. In some otherembodiments, the resource distribution account of the user and theresource distribution account of the entity may be managed by differentinstitutions. In some embodiments, the P2P system 150 may be configuredto establish P2P resource distribution accounts for the one or moreusers and/or the one or more entities that are configured to temporarilystore resources that are retrieved from their respective resourcedistribution accounts.

FIG. 1D illustrates a user input system 140, in accordance with anembodiment of the invention. The user input system 140 includes aprocessor 152, memory 154, an input/output device such as a display 156,a communication interface 158, and a transceiver 160, among othercomponents. The user input system 140 may also be provided with astorage device, such as a microdrive or other device, to provideadditional storage. Each of the components 152, 154, 158, and 160, areinterconnected using various buses, and several of the components may bemounted on a common motherboard or in other manners as appropriate.

The processor 152 is configured to execute instructions within the userinput system 140, including instructions stored in the memory 154. Theprocessor may be implemented as a chipset of chips that include separateand multiple analog and digital processors. The processor may beconfigured to provide, for example, for coordination of the othercomponents of the user input system 140, such as control of userinterfaces, applications run by user input system 140, and wirelesscommunication by user input system 140.

The processor 152 may be configured to communicate with the user throughcontrol interface 164 and display interface 166 coupled to a display156. The display 156 may be, for example, a TFT LCD(Thin-Film-Transistor Liquid Crystal Display) or an OLED (Organic LightEmitting Diode) display, or other appropriate display technology. Thedisplay interface 156 may comprise appropriate circuitry and configuredfor driving the display 156 to present graphical and other informationto a user. The control interface 164 may receive commands from a userand convert them for submission to the processor 152. In addition, anexternal interface 168 may be provided in communication with processor152, so as to enable near area communication of user input system 140with other devices. External interface 168 may provide, for example, forwired communication in some implementations, or for wirelesscommunication in other implementations, and multiple interfaces may alsobe used.

The memory 154 stores information within the user input system 140. Thememory 154 can be implemented as one or more of a computer-readablemedium or media, a volatile memory unit or units, or a non-volatilememory unit or units. Expansion memory may also be provided andconnected to user input system 140 through an expansion interface (notshown), which may include, for example, a SIMM (Single In Line MemoryModule) card interface. Such expansion memory may provide extra storagespace for user input system 140 or may also store applications or otherinformation therein. In some embodiments, expansion memory may includeinstructions to carry out or supplement the processes described aboveand may include secure information also. For example, expansion memorymay be provided as a security module for user input system 140 and maybe programmed with instructions that permit secure use of user inputsystem 140. In addition, secure applications may be provided via theSIMM cards, along with additional information, such as placingidentifying information on the SIMM card in a non-hackable manner. Insome embodiments, the user may use the applications, such as the P2Pmobile application, to execute processes described with respect to theprocess flows described herein. Specifically, the application executesthe process flows described herein.

The memory 154 may include, for example, flash memory and/or NVRAMmemory. In one aspect, a computer program product is tangibly embodiedin an information carrier. The computer program product containsinstructions that, when executed, perform one or more methods, such asthose described herein. The information carrier is a computer-ormachine-readable medium, such as the memory 154, expansion memory,memory on processor 152, or a propagated signal that may be received,for example, over transceiver 160 or external interface 168.

In some embodiments, the user may use the user input system 140 totransmit and/or receive information or commands to and from theinstitution system 130 and/or the P2P system 150 via the network 110.Any communication between the institution system 130, the P2P system150, and the user input system 140 (or any other computing devices) maybe subject to an authentication protocol allowing the institution system130 to maintain security by permitting only authenticated users (orprocesses from the P2P system 150) to access the protected resources ofthe institution system 130, which may include servers, databases,applications, and/or any of the components described herein. To thisend, the institution system 130 may require the user (or process) toprovide authentication credentials to determine whether the user (orprocess) is eligible to access the protected resources. Once theauthentication credentials are validated and the user (or process) isauthenticated, the institution system 130 may provide the user (orprocess) with permissioned access to the protected resources. Similarly,the user input system 140, the P2P system 150 (or any other computingdevices) may provide the institution system 130 with permissioned toaccess the protected resources of the user input institution system 130(or any other computing devices), which may include a GPS device, animage capturing component (e.g., camera), a microphone, a speaker,and/or any of the components described herein.

The user input system 140 may communicate with the institution system130 (and one or more other devices) wirelessly through communicationinterface 158, which may include digital signal processing circuitrywhere necessary. Communication interface 158 may provide forcommunications under various modes or protocols, such as GSM voicecalls, SMS, EMS, or MMS messaging, CDMA, TDMA, PDC, WCDMA, CDMA2000, orGPRS, among others. Such communication may occur, for example, throughradio-frequency transceiver 160. In addition, short-range communicationmay occur, such as using a Bluetooth, Wi-Fi, or other such transceiver(not shown). In addition, GPS (Global Positioning System) receivermodule 170 may provide additional navigation—and location-relatedwireless data to user input system 140, which may be used as appropriateby applications running thereon, and in some embodiments, one or moreapplications operating on the institution system 130.

The user input system 140 may also communicate audibly using audio codec162, which may receive spoken information from a user and convert it tousable digital information. Audio codec 162 may likewise generateaudible sound for a user, such as through a speaker, e.g., in a handsetof user input system 140. Such sound may include sound from voicetelephone calls, may include recorded sound (e.g., voice messages, musicfiles, etc.) and may also include sound generated by one or moreapplications operating on the user input system 140, and in someembodiments, one or more applications operating on the institutionsystem 130.

Various implementations of the systems and techniques described here canbe realized in digital electronic circuitry, integrated circuitry,specially designed ASICs (application specific integrated circuits),computer hardware, firmware, software, and/or combinations thereof.These various implementations can include implementation in one or morecomputer programs that are executable and/or interpretable on aprogrammable system including at least one programmable processor, whichmay be special or general purpose, coupled to receive data andinstructions from, and to transmit data and instructions to, a storagesystem, at least one input device, and at least one output device.

These computer programs (also known as programs, software, softwareapplications or code) include machine instructions for a programmableprocessor and can be implemented in a high-level procedural and/orobject-oriented programming language, and/or in assembly/machinelanguage. As used herein, the terms “machine-readable medium”“computer-readable medium” refers to any computer program product,apparatus and/or device (e.g., magnetic discs, optical disks, memory,Programmable Logic Devices (PLDs)) used to provide machine instructionsand/or data to a programmable processor, including a machine-readablemedium that receives machine instructions as a machine-readable signal.The term “machine-readable signal” refers to any signal used to providemachine instructions and/or data to a programmable processor.

To provide for interaction with a user, the systems and techniquesdescribed here can be implemented on a computer having a display device(e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor)for displaying information to the user and a keyboard and a pointingdevice (e.g., a mouse or a trackball) by which the user can provideinput to the computer. Other kinds of devices can be used to provide forinteraction with a user as well; for example, feedback provided to theuser can be any form of sensory feedback (e.g., visual feedback,auditory feedback, or tactile feedback); and input from the user can bereceived in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in atechnical environment that includes a back end component (e.g., as adata server), that includes a middleware component (e.g., an applicationserver), that includes a front end component (e.g., a client computerhaving a graphical user interface or a Web browser through which a usercan interact with an implementation of the systems and techniquesdescribed here), or any combination of such back end, middleware, orfront end components.

As shown in FIG. 1A, the components of the institution system 130, theP2P system 150, and the user input system 140 are interconnected usingthe network 110. The network 110, which may be include one or moreseparate networks, be a form of digital communication network such as atelecommunication network, a local area network (“LAN”), a wide areanetwork (“WAN”), a global area network (“GAN”), the Internet, or anycombination of the foregoing. It will also be understood that thenetwork 110 may be secure and/or unsecure and may also include wirelessand/or wired and/or optical interconnection technology.

In accordance with an embodiments of the invention, the components ofthe system environment 100, such as the institution system 130, the P2Psystem 150, and the user input system 140 may have a client-serverrelationship, where the user input institution system 130 makes aservice request to the institution system 130 and/or the P2P system 150,the institution system 130 and/or the P2P system 150 accepts the servicerequest, processes the service request, and returns the requestedinformation to the user input system 140, and vice versa. Thisrelationship of client and server typically arises by virtue of computerprograms running on the respective computers and having a client-serverrelationship to each other.

It will be understood that the embodiment of the system environment 100illustrated in FIGS. 1A-1D are exemplary and that other embodiments mayvary. As another example, in some embodiments, the system environmentmay include more, fewer, or different components. As another example, insome embodiments, some or all of the portions of the system environment100 may be combined into a single portion. Likewise, in someembodiments, some, or all of the portions of the institution system 130may be separated into two or more distinct portions.

FIG. 2 illustrates a process flow for a collaborative exposure detectionin P2P platforms 200, in accordance with an embodiment of the invention.As shown in block 202, the process flow includes receiving, from acomputing device of a P2P platform, an indication that a user hasinitiated a P2P resource transfer request to a first entity. Asdescribed herein, the user may initiate the P2P resource transferrequest using a P2P mobile application stored on the computing device ofthe user. When the user initiates the request via the P2P mobileapplication, the request is received by the P2P system 150, and morespecifically, by a computing device of the P2P platform (P2P system150). In response, the computing device of the P2P platform communicateswith the institution system 130 indicating that the user has initiatedthe P2P resource transfer request.

As shown in block 204, the process flow includes retrieving, from acomputing device of the P2P platform, resource transfer information ofthe first entity based on at least the P2P resource transfer request. Insome embodiments, the resource transfer information may includeinformation associated with the P2P resource distribution account (e.g.,P2P account information) associated with the first entity. In oneaspect, the resource transfer information may be publicly identifiableinformation that is used to identify the first entity to one or moreusers and/or one or more entities within the P2P network/platform. Whenthe user wishes to transfer resources using the P2P network to the firstentity, the user may identify the first entity using the resourcetransfer information provided by the first entity to the user. The usermay use this information to initiate a P2P resource transfer request viathe P2P mobile application stored on the computing device of the user.When the user initiates the P2P resource transfer request, the computingdevice of the P2P platform may receive the P2P resource transfer requestand the resource transfer information of the first entity foridentification.

As shown in block 206, the process flow includes initiating a databasequery on a P2P knowledge repository using the resource transferinformation of the first entity. In some embodiments the P2P knowledgerepository may include information (such as the resource transferinformation) associated with one or more entities that have beenpreviously known to be associated with misappropriate activity withinthe P2P network/platform. This may be identified based on informationreceived from other users and/or entities that have interacted with thefirst entity previously and have had resources misappropriated duringthe P2P resource transfers.

As shown in block 208, the process flow includes determining a matchbetween the resource transfer information of the first entity and atleast one entity record in the P2P knowledge repository based on atleast initiating the database query. If the resource transferinformation of the first entity is listed in the P2P knowledgerepository, it may be an indication that the first entity has previouslybeen associated with misappropriate activity.

As shown in block 210, the process flow includes transmitting anotification to the computing device of the P2P platform indicating thatthe first entity is known to be associated with misappropriate activitybased on at least determining the match. In some embodiments, inresponse to transmitting the notification to the computing device of theP2P platform, the institution system 130 may be configured to trigger anotification to be sent from the computing device of the P2P platform tothe computing device of the user, via the P2P mobile application,indicating that the first entity has been associated with misappropriateactivity. In one aspect, in response to triggering a notification, theinstitution system 130 may be configured to trigger control signals tobe transmitted from the computing device of the P2P platform to the usercomputing device, via the P2P mobile application, denying the P2Presource transfer.

As described herein, the resource transfer information associated withthe first entity may be public information available to the one or moreusers and/or one or more entities to initiate P2P resource transferswith the first entity. However, to acquire the resource transferinformation from the P2P system 150 and participate in P2P resourcetransfers with one another, the one or more users and/or the one or moreentities (including the first entity) are required to provide additionalinformation to the P2P system 150 (that is accessible by the computingdevice of the P2P platform). This additional information may includedevice identification information, personal identification information,and resource distribution account information. In some embodiments, thedevice identification information may include a distinct string ofalpha-numeric characters that identify the computing device of the userused by the user to initiate and/or receive P2P resource transfers. Insome embodiments, the personal identification information may includeinformation that directly identifies the one or more users and/or theone or more entities (e.g., name, address, social security number orother identifying number or code, phone number, email address, and/orthe like). In some embodiments, the resource distribution accountinformation may include identifiable information associated with one ormore resource distribution accounts of the user (e.g., financialinstitution account information of the user). Once the informationprovided by the one or more users and/or the one or more entities isverified by the P2P system 150, the P2P system 150 may provide the eachof the one or more users and/or the one or more entities with a distinctresource transfer information to initiate P2P resource transfers. Inresponse, the P2P system 150 may link the device identificationinformation, the personal identification information, the resourcedistribution account information, and the resource transfer informationfor each of the one or more users and/or the one or more entities. Whilethe device identification information, the personal identificationinformation, and the resource distribution account information may beprotected information within the P2P system 150, the resource transferinformation of may be publicly available information.

Similarly, to acquire the resource distribution account information fromthe institution system 150, the one or more users and/or the one or moreentities are required to provide additional information that may includedevice identification information and personal identificationinformation. Once the information provided by the one or more usersand/or the one or more entities is verified by the institution system130, the institution system 130 may provide the each of the one or moreusers and/or the one or more entities with a distinct resourcedistribution account information. In response, the institution system130 may link the device identification information, the personalidentification information, and the resource distribution accountinformation for each of the one or more users and/or the one or moreentities. Typically, the device identification information and/or thepersonal identification information provided by the one or more usersand/or the one or more entities to the P2P system 150 and theinstitution system 130 to acquire a resource transfer information fromthe P2P system 150 and a resource distribution account information fromthe institution system 130 may be identical. This is an indication thatthe one or more users and/or the one or more entities are notmisrepresenting themselves—an indication that the one or more usersand/or the one or more entities are likely to not be associated withmisappropriate activity.

FIG. 3 illustrates a process flow for identity-based exposure detectionin P2P platforms 300, in accordance with an embodiment of the invention.In some embodiments, the institution system 130 may be configured todetermine that the resource transfer information of the first entitydoes not match at least one entity record in the P2P knowledgerepository. In such cases, as shown in block 302, the process flowincludes transmitting a first information retrieval request to thecomputing device of the P2P platform, wherein the first informationretrieval request comprises the resource transfer information of thefirst entity.

Next, as shown in block 304, the process flow includes receiving, fromthe computing device of the P2P platform, a device identificationinformation, a personal identification information, and a resourcedistribution account information of the first entity in response to thefirst information retrieval request. By transmitting the firstinformation retrieval request to the computing device of the P2Pplatform using the resource transfer information, the institution system130 may be configured to retrieve any linked information (such as thepersonal identification information and/or the device identificationinformation) associated with the first entity as registered with the P2Psystem 150.

Next, as shown in block 306, the process flow includes initiating thedatabase query on a resource knowledge repository using resourcedistribution account information of the first entity. In someembodiments, the resource knowledge repository may include informationassociated with one or more users and/or the one or more entities thathave registered with the institution system 130 previously and haveacquired one or more resource distribution account information.

Next, as shown in block 308, the process flow includes retrieving, fromthe resource knowledge repository, a corresponding personalidentification information associated with the resource distributionaccount information of the first entity. Similarly, by using theresource distribution account information of the first entity, theinstitution system 130 may be configured to retrieve any linkedinformation (such as the personal identification information and/or thedevice identification information) associated with the first entity asregistered with the institution system 130.

Next, as shown in block 310, the process flow includes comparing thepersonal identification information received from the computing deviceof the P2P platform with the personal identification informationretrieved from the resource knowledge repository. As described herein,the personal identification information received from the computingdevice of the P2P platform and the personal identification informationretrieved from the resource knowledge repository must typically beidentical. Any mismatch in the information may be cause for concernregarding misappropriate activity.

Next, as shown in block 312, the process flow includes determining amismatch between the personal identification information received fromthe computing device of the P2P platform with the personalidentification information retrieved from the resource knowledgerepository. Next, as shown in block 314, the process flow includestransmitting notification to the computing device of the P2P platformindicating that the first entity could be associated with misappropriateactivity based on at least the mismatch.

In response, the institution system 130 may be configured to transmit anotification to the computing device of the P2P platform indicating thatthe first entity could be associated with misappropriate activity basedon at least determining the mismatch. In some embodiments, in responseto transmitting the notification to the computing device of the P2Pplatform, the institution system 130 may be configured to trigger anotification to be sent from the computing device of the P2P platform tothe computing device of the user, via the P2P mobile application,indicating that the first entity could be associated with misappropriateactivity. In one aspect, in response to triggering a notification, theinstitution system 130 may be configured to trigger control signals tobe transmitted from the computing device of the P2P platform to the usercomputing device, via the P2P mobile application, temporarily halt theP2P resource transfer until additional authorization is received fromthe P2P system 150.

In some embodiments, the user may be required to provide a valid phonenumber to the P2P system 150 to successfully register with the P2Psystem 150. To acquire a valid phone number, the one or more usersand/or the one or more entities may be required to provide additionalinformation that may include personal identification information to atelecommunication carrier system (not shown). Once the informationprovided by the one or more users and/or the one or more entities isverified by the telecommunication carrier system, the telecommunicationcarrier system may provide the each of the one or more users and/or theone or more entities with a valid phone number. In response, thetelecommunication carrier system may link the personal identificationinformation with the phone number and/or a device identificationinformation for each of the one or more users and/or the one or moreentities. Typically, the personal identification information provided bythe one or more users and/or the one or more entities to thetelecommunication carrier system, the P2P system 150, and theinstitution system 130 may be identical. This is an indication that theone or more users and/or the one or more entities are notmisrepresenting themselves—an indication that the one or more usersand/or the one or more entities are likely to not be associated withmisappropriate activity.

In some embodiments, the institution system 130 may be configured toretrieve, from the telecommunication carrier system, the personalidentification information associated with the first entity based on atleast the device identification information and/or the phone numberassociated with the first entity. In response, the institution system130 may be configured to compare the personal identification informationreceived from the telecommunication carrier system with the personalidentification information received from the computing device of the P2Pplatform and the personal identification information retrieved from theresource knowledge repository to determine a match. If the personalidentification information does not match, the institution system 130may be configured to transmit a notification to the computing device ofthe P2P platform indicating that the first entity could be associatedwith misappropriate activity.

In some embodiments, the institution system 130 may be configured toreceive, from a computing device of a user, an exposure notificationassociated with a second entity, wherein the exposure notification isassociated with a second resource transfer. In response, the institutionsystem 130 may be configured to retrieve, from the exposurenotification, a second resource transfer information of the secondentity. Next, the institution system 130 may be configured to transmit asecond information retrieval request to the computing device of the P2Pplatform, wherein the second information retrieval request comprises thesecond resource transfer information of the second entity. In response,the institution system 130 may be configured to receive, from thecomputing device of the P2P platform, a device identificationinformation, a personal identification information, and a resourcedistribution account information of the second entity in response to thesecond information retrieval request. In response, the institutionsystem 130 may be configured to generate an entity record associatedwith the second entity, wherein the entity record comprises at least thesecond resource transfer information, the device identificationinformation, the personal identification information, and the resourcedistribution account information of the second entity. In response togenerating the entity record, the institution system 130 may beconfigured to store the entity record associated with the second entityin the P2P knowledge repository.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g. amemory) that can direct, instruct, and/or cause a computer and/or otherprogrammable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

What is claimed is:
 1. A system for identity-based exposure detection inpeer-to-peer (P2P) platforms, the system comprising: at least oneprocessing device; and at least one non-transitory storage device withcomputer-readable program code stored thereon and accessible by the atleast one processing device, wherein the computer-readable code whenexecuted is configured to cause the at least one processing device to:receive, from a computing device of a P2P platform, an indication that auser has initiated a P2P resource transfer request to a first entity;retrieve, from a computing device of the P2P platform, resource transferinformation of the first entity based on at least the P2P resourcetransfer request; initiate a database query on a P2P knowledgerepository using the resource transfer information of the first entity;determine that the resource transfer information of the first entitydoes not match at least one entity record in the P2P knowledgerepository; receive, from the computing device of the P2P platform, apersonal identification information, and a resource distribution accountinformation of the first entity; initiate the database query on aresource knowledge repository using resource distribution accountinformation of the first entity; retrieve, from the resource knowledgerepository, a corresponding personal identification informationassociated with the resource distribution account information of thefirst entity; compare the personal identification information receivedfrom the computing device of the P2P platform with the personalidentification information retrieved from the resource knowledgerepository; determine a mismatch between the personal identificationinformation received from the computing device of the P2P platform withthe personal identification information retrieved from the resourceknowledge repository; and transmit notification to the computing deviceof the P2P platform indicating that the first entity could be associatedwith misappropriate activity based on at least the mismatch.
 2. Thesystem of claim 1, wherein the non-transitory computer-readable mediumfurther comprises code configured to cause the at least one processingdevice to: determine that the resource transfer information of the firstentity does not match at least one entity record in the P2P knowledgerepository; and transmit a first information retrieval request to thecomputing device of the P2P platform, wherein the first informationretrieval request comprises the resource transfer information of thefirst entity.
 3. The system of claim 2, wherein the non-transitorycomputer-readable medium further comprises code configured to cause theat least one processing device to: receive, from a computing device of auser, an exposure notification associated with a second entity, whereinthe exposure notification is associated with a second resource transfer;and retrieve, from the exposure notification, a second resource transferinformation of the second entity.
 4. The system of claim 3, wherein thenon-transitory computer-readable medium further comprises codeconfigured to cause the at least one processing device to: transmit asecond information retrieval request to the computing device of the P2Pplatform, wherein the second information retrieval request comprises thesecond resource transfer information of the second entity; and receive,from the computing device of the P2P platform, a personal identificationinformation, and a resource distribution account information of thesecond entity in response to the second information retrieval request.5. The system of claim 4, wherein the non-transitory computer-readablemedium further comprises code configured to cause the at least oneprocessing device to: generate an entity record associated with thesecond entity, wherein the entity record comprises at least the secondresource transfer information, the personal identification information,and the resource distribution account information of the second entity;and store the entity record associated with the second entity in the P2Pknowledge repository.
 6. The system of claim 1, wherein the resourcetransfer information of the first entity comprises at least a P2Paccount information.
 7. A computer program product for identity-basedexposure detection in peer-to-peer (P2P) platforms, the computer programproduct comprising a non-transitory computer-readable medium comprisingcode causing a first apparatus to: receive, from a computing device of aP2P platform, an indication that a user has initiated a P2P resourcetransfer request to a first entity; retrieve, from a computing device ofthe P2P platform, resource transfer information of the first entitybased on at least the P2P resource transfer request; initiate a databasequery on a P2P knowledge repository using the resource transferinformation of the first entity; determine that the resource transferinformation of the first entity does not match at least one entityrecord in the P2P knowledge repository; receive, from the computingdevice of the P2P platform, a personal identification information, and aresource distribution account information of the first entity; initiatethe database query on a resource knowledge repository using resourcedistribution account information of the first entity; retrieve, from theresource knowledge repository, a corresponding personal identificationinformation associated with the resource distribution accountinformation of the first entity; compare the personal identificationinformation received from the computing device of the P2P platform withthe personal identification information retrieved from the resourceknowledge repository; determine a mismatch between the personalidentification information received from the computing device of the P2Pplatform with the personal identification information retrieved from theresource knowledge repository; and transmit notification to thecomputing device of the P2P platform indicating that the first entitycould be associated with misappropriate activity based on at least themismatch.
 8. The computer program product of claim 7, wherein the firstapparatus is further configured to: determine that the resource transferinformation of the first entity does not match at least one entityrecord in the P2P knowledge repository; and transmit a first informationretrieval request to the computing device of the P2P platform, whereinthe first information retrieval request comprises the resource transferinformation of the first entity.
 9. The computer program product ofclaim 7, wherein the first apparatus is further configured to: receive,from a computing device of a user, an exposure notification associatedwith a second entity, wherein the exposure notification is associatedwith a second resource transfer; and retrieve, from the exposurenotification, a second resource transfer information of the secondentity.
 10. The computer program product of claim 9, wherein the firstapparatus is further configured to: transmit a second informationretrieval request to the computing device of the P2P platform, whereinthe second information retrieval request comprises the second resourcetransfer information of the second entity; and receive, from thecomputing device of the P2P platform, a personal identificationinformation, and a resource distribution account information of thesecond entity in response to the second information retrieval request.11. The computer program product of claim 10, wherein the firstapparatus is further configured to: generate an entity record associatedwith the second entity, wherein the entity record comprises at least thesecond resource transfer information, the personal identificationinformation, and the resource distribution account information of thesecond entity; and store the entity record associated with the secondentity in the P2P knowledge repository.
 12. The computer program productof claim 7, wherein the resource transfer information of the firstentity comprises at least a P2P account information.
 13. A method foridentity-based exposure detection in peer-to-peer (P2P) platforms, themethod comprising: receiving, from a computing device of a P2P platform,an indication that a user has initiated a P2P resource transfer requestto a first entity; retrieving, from a computing device of the P2Pplatform, resource transfer information of the first entity based on atleast the P2P resource transfer request; initiating a database query ona P2P knowledge repository using the resource transfer information ofthe first entity; determining that the resource transfer information ofthe first entity does not match at least one entity record in the P2Pknowledge repository; receiving, from the computing device of the P2Pplatform, a personal identification information, and a resourcedistribution account information of the first entity; initiating thedatabase query on a resource knowledge repository using resourcedistribution account information of the first entity; retrieving, fromthe resource knowledge repository, a corresponding personalidentification information associated with the resource distributionaccount information of the first entity; comparing the personalidentification information received from the computing device of the P2Pplatform with the personal identification information retrieved from theresource knowledge repository; determining a mismatch between thepersonal identification information received from the computing deviceof the P2P platform with the personal identification informationretrieved from the resource knowledge repository; and transmittingnotification to the computing device of the P2P platform indicating thatthe first entity could be associated with misappropriate activity basedon at least the mismatch.
 14. The method of claim 13, wherein the methodfurther comprises: determining that the resource transfer information ofthe first entity does not match at least one entity record in the P2Pknowledge repository; and transmitting a first information retrievalrequest to the computing device of the P2P platform, wherein the firstinformation retrieval request comprises the resource transferinformation of the first entity.
 15. The method of claim 13, wherein themethod further comprises: receiving, from a computing device of a user,an exposure notification associated with a second entity, wherein theexposure notification is associated with a second resource transfer; andretrieving, from the exposure notification, a second resource transferinformation of the second entity.
 16. The method of claim 15, whereinthe method further comprises: transmitting a second informationretrieval request to the computing device of the P2P platform, whereinthe second information retrieval request comprises the second resourcetransfer information of the second entity; and receiving, from thecomputing device of the P2P platform, a personal identificationinformation, and a resource distribution account information of thesecond entity in response to the second information retrieval request.17. The method of claim 16, wherein the method further comprises:generating an entity record associated with the second entity, whereinthe entity record comprises at least the second resource transferinformation, the personal identification information, and the resourcedistribution account information of the second entity; and storing theentity record associated with the second entity in the P2P knowledgerepository.